Bank of Poynette

Bank of Poynette is headquartered in Poynette and is the 188^th largest bank in the state of Wisconsin. It is also the 5,070^th largest bank in the nation. It was established in 1894 and as of December of 2011, it had grown to 23 employees at 3 locations. Bank of Poynette has a 3-star health rating.

Bank of Poynette Routing Number: 075906524

Data for Q4 2011

Institution Statistics Bank of Poynette FDIC Certificate # 11603 BankRate Report View Year Established 1894 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $94.99 million Loans $56.26 million Deposits $84.22 million Equity Capital $8.03 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $3.03 million Real Estate Owned $1.10 million Historic Data - December 2010 Assets $89.18 million Equity Capital $7.71 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $2.55 million Real Estate Owned $756,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.95% Return on Equity 10.6% Interest Income $3.74 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Poynette had $4.14 million in non-current loans and owned real-estate with $9.24 million in equity and loan loss allowances on hand to cover it. This gives Bank of Poynette a Texas Ratio of 44.76% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Poynette increased slightly from 36.26% as of December 31, 2010 to 44.76% as of December 31, 2011, resulting in a negative change of 23.42%. This indicates that the balance sheet and financial strength for Bank of Poynette has declined slightly in recent periods. Deposit Growth In the past year, Bank of Poynette has increased its total deposits by $5.02 million, resulting in 6.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Poynette has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Poynette has $94.99 million in assets with $9.24 million in equity, resulting in a capitalization level of 9.73%, which is average.

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